The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADOBE SYSTEMS INCORPORATED COM COM 00724F101 381 762 SH   SOLE NONE 0 0 762
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 811 463 SH   SOLE NONE 0 0 463
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 367 210 SH   SOLE NONE 0 0 210
AMAZON.COM INC COM 023135106 2,494 766 SH   SOLE NONE 0 0 766
AMERICAN TOWER CORP COM USD0.01 COM 03027X100 240 1,070 SH   SOLE NONE 0 0 1,070
AMGEN INC COM 031162100 316 1,375 SH   SOLE NONE 0 0 1,375
ANNALY CAPITAL MANAGEMENT INC COM COM 035710409 93 11,123 SH   SOLE NONE 0 0 11,123
APPLE INC COM USD0.00001 COM 037833100 9,954 75,021 SH   SOLE NONE 0 0 75,021
AT&T INC COM USD1 COM 00206R102 1,001 34,812 SH   SOLE NONE 0 0 34,812
BERKSHIRE HATHAWAY INC COM USD0.0033 CLASS B CL B NEW 084670702 1,087 4,689 SH   SOLE NONE 0 0 4,689
BK OF AMERICA CORP COM COM 060505104 450 14,859 SH   SOLE NONE 0 0 14,859
BLACKROCK INC COM USD0.01 COM 09247X101 392 543 SH   SOLE NONE 0 0 543
CHEVRON CORP NEW COM COM 166764100 308 3,647 SH   SOLE NONE 0 0 3,647
CINTAS CORP COM 172908105 522 1,477 SH   SOLE NONE 0 0 1,477
CISCO SYSTEMS INC COM 17275R102 376 8,416 SH   SOLE NONE 0 0 8,416
COMCAST CORP CL A 20030N101 228 4,353 SH   SOLE NONE 0 0 4,353
COSTCO WHOLESALE CORP COM USD0.01 COM 22160K105 418 1,111 SH   SOLE NONE 0 0 1,111
CROWDSTRIKE HLDGS INC CL A CL A 22788C105 238 1,124 SH   SOLE NONE 0 0 1,124
CROWN CASTLE INTL CORP NEW COM ISIN #US22822V1017 SEDOL #BTGQCX1 COM 22822V101 647 4,065 SH   SOLE NONE 0 0 4,065
CVS HEALTH CORPORATION COM USD0.01 COM 126650100 314 4,604 SH   SOLE NONE 0 0 4,604
DIGITAL REALTY TRUST INC COM 253868103 375 2,690 SH   SOLE NONE 0 0 2,690
DISNEY WALT CO COM COM 254687106 893 4,933 SH   SOLE NONE 0 0 4,933
FACEBOOK INC-CLASS A CL A 30303M102 630 2,309 SH   SOLE NONE 0 0 2,309
FIDELITY CORPORATE BOND ETF CORP BOND ETF 316188101 21,651 378,257 SH   SOLE NONE 0 0 378,257
FIDELITY HIGH DIVIDEND ETF HIGH DIVID ETF 316092840 4,831 150,525 SH   SOLE NONE 0 0 150,525
FIDELITY LOW DURATION BOND FACTOR ETF LOW DURTIN ETF 316188408 378 7,412 SH   SOLE NONE 0 0 7,412
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF MSCI INFO TECH I 316092808 5,659 54,148 SH   SOLE NONE 0 0 54,148
FIDELITY MSCI UTILS INDEX ETF MSCI UTILS INDEX 316092865 1,459 35,961 SH   SOLE NONE 0 0 35,961
FIDELITY NASDAQ COMPOSITE INDEX TRACKING STOCK NDQ CP IDX TRK 315912808 4,622 9,213 SH   SOLE NONE 0 0 9,213
FIDELITY VALUE FACTOR ETF VLU FACTOR ETF 316092782 6,383 157,202 SH   SOLE NONE 0 0 157,202
FIRST TR EXCHANGE TRADED FD DOW JONES INTERNET INDEX FD DJ INTERNT IDX 33733E302 912 4,301 SH   SOLE NONE 0 0 4,301
HOME DEPOT INC COM 437076102 503 1,896 SH   SOLE NONE 0 0 1,896
INNOVATOR ETFS TR S&P 500 PWR BU S&P 500 PWR BU 45782C540 698 24,098 SH   SOLE NONE 0 0 24,098
INNOVATOR ETFS TRUST INNOVATOR S&P 500 POWER BUFFER ETF NOV S&P 500 POWER 45782C573 210 7,267 SH   SOLE NONE 0 0 7,267
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2022 CB BULSHS 2022 CB 46138J882 406 18,680 SH   SOLE NONE 0 0 18,680
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2023 CB BULSHS 2023 CB 46138J866 339 15,521 SH   SOLE NONE 0 0 15,521
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2024 CB BULSHS 2024 CB 46138J841 408 18,233 SH   SOLE NONE 0 0 18,233
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2025 CB BULSHS 2025 CB 46138J825 341 15,079 SH   SOLE NONE 0 0 15,079
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2027 CB BULSHS 2027 CB 46138J783 229 10,244 SH   SOLE NONE 0 0 10,244
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 5,686 61,873 SH   SOLE NONE 0 0 61,873
ISHARES CORE S&P TOTAL US STOCK MARKET ETF CORE S&P TTL STK 464287150 368 4,271 SH   SOLE NONE 0 0 4,271
ISHARES INC ESG AWR MSCI EM ESG AWR MSCI EM 46434G863 11,820 281,584 SH   SOLE NONE 0 0 281,584
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 739 6,308 SH   SOLE NONE 0 0 6,308
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 475 2,424 SH   SOLE NONE 0 0 2,424
ISHARES S&P 500 CORE S&P500 ETF 464287200 21,679 57,752 SH   SOLE NONE 0 0 57,752
ISHARES TR 10 YR INVST GRD 10+ YR INVST GRD 464289511 5,793 79,334 SH   SOLE NONE 0 0 79,334
ISHARES TR BARCLAYS 7 10 YR BARCLAYS 7 10 YR 464287440 423 3,527 SH   SOLE NONE 0 0 3,527
ISHARES TR EAFE GRWTH ETF EAFE GRWTH ETF 464288885 11,351 112,488 SH   SOLE NONE 0 0 112,488
ISHARES TR ESG AWR MSCI USA ESG AWR MSCI USA 46435G425 25,313 294,237 SH   SOLE NONE 0 0 294,237
ISHARES TR IBOXX HI YD ETF IBOXX HI YD ETF 464288513 307 3,520 SH   SOLE NONE 0 0 3,520
ISHARES TR ISHS 1-5YR INVS ISHS 1-5YR INVS 464288646 6,103 110,628 SH   SOLE NONE 0 0 110,628
ISHARES TR ISHS 5-10YR INVT ISHS 5-10YR INVT 464288638 7,595 122,920 SH   SOLE NONE 0 0 122,920
ISHARES TR JP MOR EM MK ETF JPMORGAN USD EMG 464288281 2,325 20,064 SH   SOLE NONE 0 0 20,064
ISHARES TR MBS ETF MBS ETF 464288588 5,170 46,950 SH   SOLE NONE 0 0 46,950
ISHARES TR MSCI USA MIN VOL MSCI USA MIN VOL 46429B697 17,805 262,311 SH   SOLE NONE 0 0 262,311
ISHARES TR PFD AND INCM SEC PFD AND INCM SEC 464288687 2,066 53,671 SH   SOLE NONE 0 0 53,671
ISHARES TR U.S. MED DVC ETF U.S. MED DVC ETF 464288810 4,452 13,602 SH   SOLE NONE 0 0 13,602
ISHARES TR US TREAS BD ETF US TREAS BD ETF 46429B267 13,042 478,805 SH   SOLE NONE 0 0 478,805
ISHARES TRUST 0-5YR HIGH YIELD CORP BD ISIN #US46434V4077 SEDOL #BFS2LL0 0-5YR HI YL CP 46434V407 5,714 125,763 SH   SOLE NONE 0 0 125,763
ISHARES TRUST CORE DIVID GWTH CORE DIV GRWTH 46434V621 5,232 116,739 SH   SOLE NONE 0 0 116,739
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 5,950 86,124 SH   SOLE NONE 0 0 86,124
J P MORGAN EXCHANGE-TRADED FD ULTRA SHRT INC ULTRA SHRT INC 46641Q837 350 6,903 SH   SOLE NONE 0 0 6,903
JOHNSON &JOHNSON COM USD1.00 COM 478160104 796 5,060 SH   SOLE NONE 0 0 5,060
JPMORGAN CHASE & CO COM 46625H100 1,040 8,186 SH   SOLE NONE 0 0 8,186
LULULEMON ATHLETICA INC COM USD0.005 COM 550021109 282 811 SH   SOLE NONE 0 0 811
MASTERCARD INCORPORATED CL A CL A 57636Q104 299 838 SH   SOLE NONE 0 0 838
MCDONALD S CORP COM 580135101 561 2,617 SH   SOLE NONE 0 0 2,617
MEDTRONIC PLC SHS G5960L103 245 2,095 SH   SOLE NONE 0 0 2,095
MERCK &CO. INC COM COM 58933Y105 337 4,129 SH   SOLE NONE 0 0 4,129
MICROSOFT CORP COM 594918104 2,261 10,168 SH   SOLE NONE 0 0 10,168
MIDDLEFIELD BANC CORP(US) COM NPV COM NEW 596304204 2,484 110,402 SH   SOLE NONE 0 0 110,402
MONDELEZ INTL INC COM NPV CL A 609207105 218 3,736 SH   SOLE NONE 0 0 3,736
NETFLIX INC COM 64110L106 538 996 SH   SOLE NONE 0 0 996
NIKE INC CLASS B COM NPV CL B 654106103 512 3,623 SH   SOLE NONE 0 0 3,623
NVIDIA CORPORATION COM COM 67066G104 222 426 SH   SOLE NONE 0 0 426
PAYPAL HLDGS INC COM COM 70450Y103 1,285 5,487 SH   SOLE NONE 0 0 5,487
PEPSICO INC COM 713448108 272 1,836 SH   SOLE NONE 0 0 1,836
PFIZER INC COM 717081103 399 10,840 SH   SOLE NONE 0 0 10,840
PIMCO ETF TRUST ENHANCED SHORT MATURITY ACTIVE ETF USD ENHAN SHRT MA AC 72201R833 323 3,175 SH   SOLE NONE 0 0 3,175
PINTEREST INC CL A CL A 72352L106 251 3,818 SH   SOLE NONE 0 0 3,818
PROCTER AND GAMBLE CO COM COM 742718109 1,075 7,731 SH   SOLE NONE 0 0 7,731
PROGRESSIVE CORP COM COM 743315103 655 6,629 SH   SOLE NONE 0 0 6,629
PROSPECT CAP CORP BOND CALL MAKE WHOLE 6.37500 03/01/2025 (Call Date 12/01/24) NOTE 6.375% 3/0 74348TAT9 35 35,000 SH   SOLE NONE 0 0 35,000
ROKU INC COM CL A COM CL A 77543R102 259 782 SH   SOLE NONE 0 0 782
SALESFORCE.COM INC COM USD0.001 COM 79466L302 625 2,810 SH   SOLE NONE 0 0 2,810
SHERWIN-WILLIAMS CO COM 824348106 286 389 SH   SOLE NONE 0 0 389
SPROTT PHYSICAL GOLD TRUST UNIT ISIN #CA85207H1047 SEDOL #BYVW239 UNIT 85207H104 280 18,615 SH   SOLE NONE 0 0 18,615
STARBUCKS CORP COM USD0.001 COM 855244109 710 6,639 SH   SOLE NONE 0 0 6,639
TESLA INC COM COM 88160R101 2,373 3,363 SH   SOLE NONE 0 0 3,363
THERMO FISHER SCIENTIFIC INC COM 883556102 589 1,265 SH   SOLE NONE 0 0 1,265
UNITEDHEALTH GROUP INC COM 91324P102 1,434 4,089 SH   SOLE NONE 0 0 4,089
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 207 1,002 SH   SOLE NONE 0 0 1,002
VERIZON COMMUNICATIONS INC COM 92343V104 884 15,055 SH   SOLE NONE 0 0 15,055
VISA INC COM CL A 92826C839 779 3,563 SH   SOLE NONE 0 0 3,563
VMWARE INC CL A COM 928563402 308 2,202 SH   SOLE NONE 0 0 2,202
WALMART INC COM COM 931142103 828 5,750 SH   SOLE NONE 0 0 5,750